Hazardous Pastimes & Hobbies

We are insurance specialists and our expertise is in helping people who have high risk hobbies or dangerous pastimes to find life insurance, critical illness insurance and travel insurance. Hazardous pursuits can include such activities as scuba diving, racing, flying and mountaineering.

We have a wealth of knowledge and experience, and we know which insurers will consider your application. If there is a choice between insurers, we will help you find the insurer who is willing to offer you cover at the cheapest rate.

Our service to you is FREE – we do not charge you a fee for our work, since if we are able to find you insurance, then the insurance company will pay us a commission. Even if you already have life insurance in place, we may be able to find the same cover for you at a cheaper rate.

If your hobby or pastime is higher risk than normal, you may think that you are going to struggle to find life insurance.

You may have applied to an insurance company and had your application for life insurance or critical illness insurance declined or turned down. Or you may have applied for insurance, and the insurer has offered you cover but at a higher premium. They may be going to charge you extra (or have “loaded” your premiums) because of how you spend your leisure time.

Each insurance company will have a different view on your hobby. They have clear guidelines, or “underwriting criteria”, against which they judge any insurance applications they receive.

Some insurers may decline your life insurance application simply because it is not an area that they wish to provide cover for. Other insurers specialise in offering cover to people with higher risk hobbies, and will be happy to consider you and may be able to offer you cover.

Each insurer will judge an application for life insurance or critical illness insurance against their underwriting criteria, and then may either:
- accept the application,
- charge an extra premium to reflect additional risk,
- postpone cover for a while,
- or reject the application completely.

We are specialists in knowing which insurance company is most likely to consider your insurance application favourably.

Therefore if you enjoy extreme sports, or have a dangerous hobby or hazardous pastime, and you think you can’t get life insurance or if you have been declined insurance … We can help.

We have a proven track record in obtaining insurance for people who have had their life insurance refused or their premiums rated. Please click here for case studies of the type of people we have helped, and click here for testimonials from some of our customers.

We can also help if you are looking for critical illness insurance, income protection, keyman insurance or mortgage insurance.

Listed below are just some of the extreme sports, hobbies and pastimes that we can help with for life insurance and critical illness insurance. However even if you cannot see your hobby listed, then please do still get in touch as we cannot include them all. We will give you our honest assessment as to whether you will be able to get insurance.

Why have I been turned down or had my life insurance application declined?

Each insurance company will have clear guidelines against which they judge any life insurance applications they receive. Some insurers will have quite strict guidelines, and so they may not consider an application which another insurer will happily take. Other insurers specialise in certain areas and so if you have been turned down by a number of mainstream insurance companies, we may still be able to get you insurance. We know which is the best insurer to apply to, given your circumstances.

Why am I being charged more than normal for my life insurance?

In some cases, an insurance company will charge you an extra premium for your life insurance (sometimes called “loading” your premiums). This is because they feel that your hobby or pastime makes you a higher risk than normal, and therefore they will charge you extra to reflect that higher risk, or they may decline your application. However not all life insurance companies may assess your case in the same way, and we may be able to find an insurer who is willing to offer you cheaper cover.

Is there any insurer who will offer me life insurance?

Some insurance companies have very strict guidelines on what type of hobbies or pastimes they are willing to accept. Other life insurers may have a different view. There are also a number of specialist insurers who may be able to consider your life insurance application, even if the more recognisably named insurers will not. We find out which insurers will consider your application and how much they are likely to charge. Unfortunately there may be times when it is not possible to get life insurance cover, but we will give you our honest assessment of your case.

Why am I classed as a Special Risk for life insurance?

Special Risk groups for insurance purposes are people who, because of the way they spend their leisure time, are considered high risk, and may not be able to get “standard” life insurance. They are also sometimes referred to as “Non-standard Risks”.
A life insurance company may either charge you an extra premium, or they may decline your life insurance application completely. There are however specialist insurance companies who focus on Special Risk insurance, and so please talk to us and we will help you find an insurer who may be willing to take your application.

Do I have to tell the insurers everything on my life insurance application?

With life insurance, it is essential that you tell the insurance company everything that they ask – answering each question carefully, truthfully and completely. If you are not sure whether to mention something, then mention it. It is better to give the insurer more information and detail than they need, than to omit something which may cause them not to pay out on your policy when you die. Let the insurance company decide what is important and relevant.